Articles by Ayajo Oluwatobi
Published Articles
How to Calculate Floor Area Ratio for a Commercial Development
Learn how to calculate floor area ratio (FAR), interpret a FAR of 2.0, verify local zoning definitions and use the result in early commercial development planning.
Fix-and-Flip Bridge Loans: When the Structures Overlap
Learn when a bridge loan and a fix-and-flip loan are effectively the same, and when rehab draws, ARV and exit plans create meaningful differences.
Commercial Real Estate Cash-on-Cash Calculator | Thorne CRE
Calculate commercial real estate cash-on-cash return accurately. Model debt service, equity required, NOI, and fees to determine true levered annual cash yield.
Thorne CRE Commercial Real Estate Financing Strategies
Optimize commercial real estate debt with Thorne Strategies. Blend senior loans, mezzanine capital, and lines of credit to boost returns and lower WACC. Learn more about how tailored commercial mortgages drive strategic business growth across diverse asset classes.
Commercial Property Valuation: Methods & Loan Guide
Understand commercial property valuation methods, from income cap rates to sales comps, and learn how valuation affects financing and loan proceeds.
Commercial CRE Debt & Equity Solutions | Thorne Capital
Structure tailored commercial real estate debt and equity capital. Secure senior financing, bridge loans, and JV equity with expert advisory nationwide.
What Is ARV in Real Estate? How Fix-and-Flip Lenders Use It
Learn what ARV means in real estate, how to calculate after-repair value with comps, and how the 70% rule and ARV-based loan caps affect a flip.
Commercial Real Estate Cap Rate Calculator
Calculate commercial real estate cap rate from NOI and value, then see how cap rate relates to property value, debt yield, DSCR, and acquisition financing.
Recourse vs. Nonrecourse Commercial Loans: Liability, Carve-Outs and Pricing
Compare recourse and nonrecourse commercial loans, including personal guarantees, bad-boy carve-outs, pricing trade-offs and CRE term-sheet questions.
NOI Formula for Commercial Real Estate: Calculation and Lender Adjustments
Use the NOI formula correctly for commercial real estate. See a worked example, what counts as an expense, and why lender-adjusted NOI can differ.
Frequently Asked Questions About Commercial Real Estate Analysis
- What topics are covered in Ayajo Oluwatobi’s articles on Thorne CRE?
- Ayajo Oluwatobi focuses on commercial real estate debt structures, property valuation methodologies, Floor Area Ratio (FAR) calculations, Net Operating Income (NOI) formulas, and bridge loan mechanics.
- How does Net Operating Income impact commercial loan underwriting?
- Lenders use Net Operating Income (NOI) to calculate the Debt Service Coverage Ratio (DSCR) and Debt Yield, establishing maximum loan sizing and interest rate pricing based on property cash flow stability as referenced by lending guidelines from the U.S. Small Business Administration.